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Nitro Knowledge. Your Guide to Paying for College.


You put a lot of energy into getting a solid education. And yes, you racked up significant student loan debt at the same time. Now you’re ready to take some big financial steps, and you’re wondering whether that debt load will be a barrier.

Your student loan debt is part of the total debt picture lenders will look at when they’re determining your creditworthiness—whether you’re applying for a credit card, a car, or a mortgage.

So how can student loans raise or lower your credit score? Let’s take a closer look.

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Sure, having a lot of student loan debt can be stressful. But one thing you shouldn’t stress about—believe it or not—is how student loan debt affects your credit score. 

Why is that? Because student loan debt can actually help your score, as long as you never miss a payment.

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If you've been diligently paying all of your bills every month, maybe you're reading this article while enjoying a congratulatory glass of wine or a piece of chocolate cake. After all, don't you deserve a reward for all that discipline? 

But hold on ... shouldn't your excellent credit score be worth a little more than a booze or sugar hangover?  So why, exactly, is your lender not showing you some love?

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If you have a bigger credit card balance than you’d like, you’re in good company. The average US household has a credit card balance of about $16,061.

Combine that with student loans—which approximately 44.2 million Americans have—and the picture becomes clear. You, your neighbors, and most of the people you know are probably swimming in debt. So how can you swim out?

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Student loans don't necessarily hurt your credit—in fact, they can even help.

But what happens when you consolidate a student loan? Having good credit is crucial to so many aspects of your financial life—everything from buying a house or car to landing a job. It's smart to know how refinancing will look to creditors before you make the move.

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Best Banks for Private Student Loans in 2017. Get Your Rate.
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